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tbtf. i submit that these institutions exact unfair taxes on the american people and they interfere with the transmission of monetary policies, which is my business, and inhibit the advancement of economic prosperity. i spoke on this for several years. i began with a speech in july of 2009 entitled "the pathology of too big to fail." i and our staff have written about it extensively. tomorrow, we will be issuing a special report available on the net that further lessen our proposal. it addresses the performance of community banks and regional breaks during the raid -- during the recent crisis. i want to urge you all to access that report when we make it public mar. the federal reserve convention requires that i issued a disclaimer, which is that i only speak for the federal reserve bank of dallas. not for any other association with our great central bank. this is usually abundantly clear. [laughter] but i have to say that. in many matters we entertain opinions that are very much different than those of our esteemed colleagues. i was the fourth my sentiments freely and without reserv
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